Flushing Financial (FFIC) CFO reports 480-share tax withholding at $15.54

Rhea-AI Filing Summary

Flushing Financial Corp’s SEVP and CFO, Susan Cullen, reported a routine tax-related stock transaction. On 01/28/2026, 480 shares of common stock were withheld at a price of $15.54 per share to satisfy taxes upon vesting of equity awards.

After this withholding, Cullen beneficially owned 85,879 shares of common stock directly. She also held an additional 19,765 shares indirectly through the Flushing Bank 401(k) Savings Plan as of 01/28/2026, reflecting her ongoing equity stake in the company.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Cullen Susan

Role SEVP/CFO

Type	Security	Shares	Price	Value
Tax Withholding	Commmon Stock	480	$15.54	$7K
holding	Commmon Stock	--	--	--

Holdings After Transaction: Commmon Stock — 85,879 shares (Direct); Commmon Stock — 19,765 shares (Indirect, 401(k))

Footnotes (1)

1. Shares withheld to satisfy taxes upon vesting. Shares held in Flushing Bank 401(k) Savings Plan a/o 1/28/26.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cullen Susan

(Last) (First) (Middle)

220 RXR PLAZA

(Street)

UNIONDALE NY 11556

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FLUSHING FINANCIAL CORP [ FFIC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SEVP/CFO

3. Date of Earliest Transaction (Month/Day/Year)
01/28/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Commmon Stock	01/28/2026		F		480(1)	D	$15.54	85,879	D
Commmon Stock								19,765(2)	I	401(k)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares withheld to satisfy taxes upon vesting.

2. Shares held in Flushing Bank 401(k) Savings Plan a/o 1/28/26.

	Signed by Russell A. Fleishman under POA by Susan Cullen	01/28/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Flushing Financial (FFIC) report for Susan Cullen?

Flushing Financial reported that SEVP/CFO Susan Cullen had 480 common shares withheld at $15.54 on 01/28/2026 to cover taxes upon vesting. This was a routine tax withholding related to equity awards, not an open-market purchase or sale of new shares.

How many Flushing Financial shares does Susan Cullen own after this Form 4?

After the reported tax withholding, Susan Cullen beneficially owned 85,879 shares of Flushing Financial common stock directly. She also held 19,765 additional common shares indirectly through the Flushing Bank 401(k) Savings Plan as of 01/28/2026, according to the filing.

What does the transaction code F mean in the Flushing Financial Form 4?

Transaction code F indicates shares were withheld to satisfy tax obligations upon vesting of equity awards. In this case, 480 Flushing Financial common shares were withheld at $15.54 per share, reflecting a non-open-market, administrative transaction associated with compensation rather than discretionary trading.

Was the Flushing Financial (FFIC) insider transaction a market sale or purchase?

The reported transaction was not a market sale or purchase. It was a withholding of 480 shares of common stock to satisfy taxes upon vesting, coded F. This type of transaction occurs automatically under equity award terms rather than through open-market trading.

How are Susan Cullen’s indirect Flushing Financial holdings structured?

Susan Cullen’s indirect holdings consist of 19,765 Flushing Financial common shares held in the Flushing Bank 401(k) Savings Plan as of 01/28/2026. The Form 4 classifies these as indirectly owned, separate from her 85,879 directly held common shares reported after the tax withholding transaction.